buy to let mortgage

Whether you are looking to boost your earnings from rental income, or through capital growth, becoming a landlord can be an attractive opportunity. Ready to get started? Let Affinity Mortgages find the best buy to let mortgage for you.

buy to let mortgage

two ways to apply.

At Affinity, we recognise that different people take different approaches. If you prefer to dot your own ‘I’s and cross your own ‘T’s, feel free to proceed to Affinity Online. If you’d prefer to let us look after your first time mortgage application, there’s Affinity Connect.

why use affinity connect?

complete your own application with affinity online

Get your paperwork handy, your ducks in a row and your game face on, it’s time to apply…

let us guide you with affinity connect

If filling out forms is not your thing, give us your info, put your feet up and let us get to work…

buy to let mortgage application quick guide

Door knob
Blank sign post
rent potential
The decision as to whether or not a mortgage will be offered is usually based on rental coverage – will the rent earned on the property cover the repayments? In some cases, there is less emphasis placed on your earned income.
interest rate
Buy to let mortgages tend to have slightly higher interest rates than standard residential mortgages
larger deposit
Typically, lenders will insist on a minimum deposit of around of 20% or 25% of the property's value.

most common faqs

How much can I borrow for a buy to let mortgage?

This will depend on a number of factors - rental income, earned income, how many properties you currently own and more. Talk to one of our specialists today to see whether an extra income as a landlord is within your grasp.

Is it possible to convert a residential mortgage to buy to let?

It certainly could be - speak to one of our experts today to discover whether this could be an option for you.

What are the tax implications of buying a property to let?

There will potentially be tax implications when generating an income by letting a property. Though we don’t deal directly with matters relating to tax, we can always point you in the right direction. Get in touch today.

your question not answered here? view all faqs

affinity connect

Your teacher was wrong. You don’t have to apply yourself. If time is short, let us do what we’re good at. We’ll fill out all the forms without making any of those easy-to-make mistakes that can cause delays or even cause an application to be rejected.

affinity connect
complete flexibility

complete flexibility.

Nothing is set in stone, both in terms of how we approach finding the right deal for you – or the deal itself. If we can change anything up to make it more suitable to you, we’ll do it.

experienced, dynamic advisors.

When you contact us, it’s not an intelligent algorithm that’s replying to you – it’s an intelligent human. We’ll be up close and personal throughout your process.

experienced, dynamic advisors

our ears are burning

what our customers are saying about us on trustpilot

Shel Parker 5* review

Shel Parker

trustpilot review

5* experience and service from start to finish!!!!

Affinity Mortgages are an approachable, friendly team of people that go over and above to make the whole process of buying a house a pleasant one. I recommend them to anyone and everyone considering buying a house or remortgaging. I can’t speak highly enough!!!!

Ryan Love 5* review

Ryan Love

trustpilot review

Great company, highly recommended

A really great company with highly skilled and friendly people. It was my first mortgage, and the advice I was given was invaluable to me. Can’t recommend highly enough.

Tony Wooster 5* review

Tony Wooster

trustpilot review

Very Professional

Very professional, nothing is too much trouble for them, went through everything in a manner I could understand and very detailed. Got me a very competitive deal and would definitely use them again.

have a question?

If there’s anything you’re unsure about, or if you just want to get the ball rolling, please email us – or give us a call if you want to have a word with a friendly human.

Contact us